this is about centralizing power in the federal government. if you look at the 2300-page law that is the dodd frank act you will not find any provisions that restrict or protect, regulate fannie mae or freddie mac. there this is about ensureing that the federal government has control. any time the federal government takes control of anything the cost of that gets borne by the consumers. that is right, small business owners who need small business loans and consumers who need banking. that is where the cost of the law is going to hit people the most. >> shannon: we thank you both, gentlemen, for your time today. >> thank you, shannon. >> shannon: this weekend, a rare break from the campaign trail. but the candidates are hot vacationing. they are studying. cramming for the most important night of the election so far. the first debate. could it be a game changer? a preview from campaign carl cameron, next. at usaa, we believe honor is not exclusive to the military, and commitment is not limited to one's military oath. the same set of values that